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FIRST TIME HOME BUYER?We Specialize In Making Your American Dream Come True!

We offer many low down payment mortgages especially suited for your first home. Receive your FREE customized quote & pre-approval here from an experienced & licensed professional with Peak Home Loans™.

Peak Home Loans is now driven by the most professional, proficient, and powerful home lending network in the United States. In fact, we are rated A+, "Highest" on a scale of A+ to F, by the Better Business Bureau. Simply Google "Peak Home Loans BBB" to find the link and learn more. We are an NMLS Listed Mortgage Loan Originator, NMLS unique identifier 1240303. Since 1998, all of us at Peak Home Loans have understood the frustrations involved with shopping for a mortgage. We have strived to "make mortgages easy". Staffed with mortgage professionals, internet experts, and marketing specialists, we offer our customers the lowest mortgage rates for all types of loans and the best customer service across the nation. We provide free expert loan consultation with superior customer service. We offer Toll-Free Customer Service, 1-844-200-PEAK (7325), 24 Hours a Day, 7 Days a Week.

Since our inception, we have consistently earned the trust of our customers. We have earned multiple consumer awards from the Nation's top Mortgage and Website reviewers for having the highest customer satisfaction and trust. We know that right from the start, you are beginning a process that can significantly add to the quality of your life. Whether you are ready to purchase your very first home or wish to acquire extra cash from your accrued equity, our agents will expertly guide you through the process of obtaining the necessary financing. With myriad lending options available, purchasing or refinancing can be confusing. We are your ally in fulfilling your financing needs. And right now we have Special Savings For Your Home Town.

COMPANY PHILOSOPHY

Quality People = Quality Service

Since our founding, this has been our company's outlook. What does it mean to us, to you, and to others? It means that our company's primary goal is to provide quality service to our customers, to each other, and to all others with whom we work. Quality People means that we continually attract, recruit, and retain agents and employees who display the highest levels of intelligence, integrity and commitment to the shared goal of excellence in customer service. Quality Service means three things to us. First, it means being advised and educated by experienced professionals with an unsurpassed level of product knowledge. Second, it means you benefit by being represented by a company whose size and reputation is respected in the industry. Third, it means that throughout the loan process, we will keep you promptly informed, treat you with respect and courtesy, and in short, take great care of you. Our success is not determined by closing the most loans; it's defined by you, our customer, enthusiastically recommending us to your friends and family.

As far as employment opportunities go at Peak Home Loans, yes we are hiring. We are always looking for individuals that would mesh with our existing outstanding team of professionals. Do not be discouraged, but we select a low percentage of applicants. Please inquire via email concerning full-time employment at Peak Home Loans. Job requirements include a minimum of 3 years experience in the mortgage industry, a clean background check, and an ethics check. You must also be a United States citizen.

Mission statement: "to offer our hundreds of thousands of clients the best possible customer service available, to provide our customers with the lowest possible interest rate, the lowest possible monthly payment and the very best home for their money, to get 4 out of 5 customers qualified and to provide loans for customers with all credit histories".

Our motto: "mortgages made easy". Need we say more?

With no fees, commitments, memberships or obligations, Peak Home Loans offers a risk-free service. After filling out your short, 1 minute, application, one of our well-qualified mortgage specialists will contact you within 12 hours to discuss with you the loan you need. We get 4 out of every 5 applications approved. You are in good hands.

Thank you,Peak Home Loans

Peak Home Loans has been trusted since 1998, with over 300,000 satisfied customers and counting.

Most Recent Customer Comments / Testimonials:

"We have purchased or refinanced several homes over the years. Our experience with Peak Home Loans was the most pleasant we have ever had. When talking with friends and comparing experiences, we realize just how lucky we were. We truly appreciate all that Peak Home Loans has done for us." - Janice G., Fort Worth, TX; 99 / 100 rating.

"We all know the home buying process can get chaotic, and I'm glad that I went through all of the 'insanity' with Peak Home Loans. They communicated very efficiently, keeping me up-to-date of the changes and updates along the way. When there were very few issues, but when there were, I felt that they really listened to my concerns and understood my perspective. That is important, because it makes the process feel human, and it boosts your trust that your mortgage team is actually working for you. You will need the support of a good team to make it through the home buying process with your sanity." - John M., Perkasie, PA; 96 / 100 rating.

"I was impressed from the beginning with the whole team at Peak Home Loans. They were always available to speak with, returned phone calls and emails quickly, and they even worked nights and weekends. For me, the key to a successful outcome comes down to communication. Outstanding job, very well done guys." - Amanda J., Miami, FL; 96 / 100 rating.

"On behalf of my entire family, I would like to express our genuine thanks and gratitude for the experience we had with Peak Home Loans. Making the shift from military to civilian life presented many obstacles; but obtaining a home loan was not one of them. From our first contact with Peak and well beyond closing, we were very impressed with the high level of customer service that their team provided." - Bill R., Saline, KS; 99 / 100 rating.

"Their helpful customer service and attention to detail resulted in an exceptional home mortgage experience. As a doctor and parent of three with very little time to spare, it was nice knowing that Peak Home Loans was efficient, trustworthy, and dependable, and had the experience to handle the entire process without excessive attention to minor details. They were available throughout the process, and provided continual updates on the status of our home mortgage. Our closing was on time, and exceeded mortgage industry standards." - Sherry S.- Sacramento, CA; 95 / 100 rating.

Low down payment mortgages for first-time home buyers come in many fashions for both first time home buyers and those looking to buy a new home. A low down payment is the same as a high Loan To Value (LTV) mortgage. These down payments range from a low of zero down to any percentage less than 20% down; the generally accepted down payment required for no mortgage insurance to be placed on the loan. Therefore high Loan to Value mortgages can be had for both purchases and refinancing. That's right, we offer 100% mortgage refinancing as well as for first time and new home purchases. When our home loan specialists contact you, kindly ask our loan professional which type of down payment makes most sense for you. They will be more than happy to get you the best loan for your particular circumstance. Remember, all loans don't fit all people; if you need a mortgage loan, we'll find the right one for you. Want to get started right away? Please click "Full Application" to get the process going today. Please note that Peak Home Loans are experts at getting our clients the hassle-free, low down payment, easy approval on home purchase mortgage of their dreams.

The Zero Down Home Loan - 100% Financing - Why We Still Offer 100% Financing Loans?

Many new homebuyers wonder why most types of loans require a down payment?

Why can't we just finance 100% of the home's purchase price?

It all comes down to the fact that the bank, lender, or investor wants to be paid back. After many studies, banks and lending institutions have determined that the higher the down payment on a loan, the lower the chances of the borrower defaulting. In fact, down payment amount is more important in determining risk than even credit score. That's why, years ago, the standard down payment amount became 20%. Anything less than that required some kind of insurance, such as private mortgage insurance (PMI), so the lender would get their money back if the borrower failed to pay the loan back. Fortunately, there are programs for which the government provides insurance to the lender, even though the down payment on the loan is zero. Here are a few of these loan types:

100% Financing: The USDA Home Loan

The USDA mortgage loan has been around for years, but it has become more popular recently because it requires zero money down and has lenient credit requirements. It may sound too good to be true, but it's a legitimate mortgage program that over a million home buyers have used since 1949. The USDA loan is a government-sponsored loan that exists to help develop rural communities by encouraging home ownership. That's why this loan type is also known as the rural development loan. To qualify, you have to have enough income to support your house payment, but not too much income. You have to be within limits set by USDA.

You also must buy a home that is within USDA's geographical boundaries. Although the program targets rural areas, many eligible areas are suburban. You would be surprised at how accessible major cities are from USDA-eligible areas. The USDA mortgage even allows the seller to pay your closing costs. This means you don't have to come up with a down payment, nor do you have to pay costs of opening a mortgage if the seller agrees to pay them for you. With the USDA loan, it could be cheaper to move into a home you buy than to rent the same house. There is a 2% upfront fee which can be financed into your loan amount and doesn't have to come out of your pocket. The USDA also charges $33.33 per month on every $100,000 borrowed as an ongoing fee to make the program viable for future home buyers. Even with these added costs, USDA loans are a great opportunity to break into homeownership with little upfront costs, and fairly low monthly costs, considering the low interest rates available for this program.

100% Financing: The VA Home Loan

Another home loan advance that enables you to fund 100% of the home's cost is the VA home mortgage. This advance is accessible to candidates commonly with no less than two years of previous military experience, or 90 days if as yet serving. The Veterans Administration gauges that 23 million individuals in the U.S. are qualified for the VA home credit. That is around one in each 13 individuals, and many don't know they're qualified. Any individual who is qualified should exploit this zero down home advance program. VA advances have low rates - typically even lower than standard mortgages. Also, they don't require a month to month contract protection expense like USDA, FHA, or typical mortgages. At the point when contrasted with some other down and out installment contract, VA home credits are the most reasonable - in forthright and also month to month costs. With a VA credit, you can purchase a home with zero down and have the merchant pay a few or the majority of your end costs, which means you could claim a home with no cash out of your pocket. Home Loan Lender normally permit FICO ratings on VA mortgage here and there as low as a 550 FICO Score.

Did You Know FHA Home Loans Can be Zero Down Mortgage Loans?

Federal Housing Administration, or FHA, loans require a 3.5% down payment, which can be quite a lot of money. On a $200,000 home purchase, that's $7,000. But, there is a somewhat obscure FHA rule that allows you to get around this requirement, in a way. According to FHA guidelines, you can receive a gift for the entire down payment. The gift can be from a family member, non-profit organization, fiancé', or other eligible down payment gift source. That means you don't need any of your own money to buy with FHA, if you can find a source for the gift. So while the loan technically needs a down payment and is not a 100% loan, the effect is the same. If you have a gift source, you don't have to come up with anything for the down payment.

First time homebuyers receive down payment gifts more often than you might think. There's a chance that you know an eligible donor who could help you with all or part of the down payment. Another FHA niche offering is the Good Neighbor Next Door loan. Teachers, police officers, and some other public employees can buy a home with just $100 down. That's not quite 100% financing, but very close to it.

A Word about Zero Down Loans and the Closing Costs Involved:

One point we wish talk about when discussing zero-down lending options is that you'll require to take into account closing costs. Whenever a home mortgage is opened up, there are costs associated with it, including the appraisal, name, loan handling fees, mortgage factors, and much more. Someone must pay these fees. Typically, it is the buyer's responsibility to pay almost all of the settlement costs. That can range from $2,000 to $5,000 or even more, typically between 2% and 5% of the price. That is why some first-time home customers are stunned when they need to think of a few thousand us dollars, even when obtaining a 100% home mortgage. But there are methods for getting around this expenditure. The most frequent way is to get a shutting cost credit from owner. In some instances the seller will offer you shutting cost assistance as a motivation for purchasers. It costs the owner money, but escalates the chances that the house will sell. Speak to your agent about requesting shutting cost assistance. It isn't always available; however when it is, from the great help those buying with a 100% funding mortgage.

Zero-down financing is alive and well. If you know about the special programs available, you can buy a home with nothing down. To get started, speak to a lending professional who specializes in 100% mortgage loans here. Get a pre-approval for your loan so you can start shopping for a home. In 30 to 60 days, you could be moving in to the home you bought with little or no money out of your own pocket.

1% Down Payment Loans

Here's how it works:

1.) You put down 1%, your lender contributes 2%*, giving you 3% equity at closing. You do NOT repay the 2 percent!
2.) Great low rates and terms, low as 3.64% APR.
3.) Close in 30 days or less!
4.) Conventional 30-year fixed program. NOT a subprime loan.
5.) Available with NO monthly Mortgage Insurance.

3% Down Payment Loans

These loans are available in three forms: Conventional Loans with only 3% Down Payment (Buyer Paid Mortgage Insurance, BPMI) or without mortgage insurance (Lender Paid Mortgage Insurance, LPMI). That's right only 3% down for a Conventional Loan. However these loans, like many other Conventional Loans, require a 620 Credit Score

Home Ready Loans are available from Fannie Mae:

Why choose Home Ready mortgage? Competitive pricing. Flexible options. Conventional ease. Home Ready is our affordable, low down payment mortgage product designed for credit worthy low-to moderate-income borrowers, with expanded eligibility for financing homes in low-income communities. Home Ready benefits 1.) Low down payment; as little as 3% down for home purchases 2.) Flexible sources of funds with no minimum contribution from borrower's own funds.

Home Ready mortgage is built for today's home buyers. Meet the diverse needs of today's buyers and grow your business with the Home Ready mortgage, our premier affordable lending product. Designed for credit worthy low- to moderate-income borrowers, Home Ready offers expanded eligibility for financing homes in low-income communities. Features: 1.) Financing up to 97% loan-to-value (LTV) for purchase of one-unit principal residence (DU is required for LTV ratios > 95%); up to 95% LTV for limited cash-out refinance (LCOR) and up to 97% LTV for LCOR transactions in DU when the mortgage being refinanced is owned or guaranteed by Fannie Mae 2.) Borrower is not required to be a first-time buyer 3.) Cancelable mortgage insurance (restrictions apply); lower MI coverage (25% for LTV's >90% to 97%) compared with standard requirements 4.) Gifts, grants, Community Seconds, and cash-on-hand permitted as a source of funds for down payment and closing costs 5.) Supports Home-Style Energy, manufactured housing, and Home-Style Renovation (approved lenders) 6.) Innovative underwriting flexibilities expand access to credit responsibly. Flexibilities include: 1.) Rental unit and boarder income 2.) Non-occupant borrowers, such as a parent 3.) Income from non-borrower household members considered as a compensating factor in Desktop Underwriter (DU) to allow for a debt-to-income (DTI) ratio > 45%, up to 50%*

Home Possible Loans are available by Freddie Mac:

The Home Possible Loan is similar to the Home Ready Loan by Fannie Mae with a few differences. Features: 1.) Maximum Loan To Value of 97 percent; Total LTV 105 percent. That's 3% Down Payment. 2.) Property Options: 1-unit properties, condos and planned unit developments; manufactured homes are not eligible. 3.) Flexible Sources of Down Payments: Down Payment can come from a variety of sources, including family, employer-assistance programs and secondary financing. 4.) Cancelable Mortgage Insurance: Mortgage insurance (MI) can be canceled after loan balance drops below 80 percent of the home's appraised value. 5.) Stable Mortgages: Fixed-rate mortgages with a term of up to 30 years. 6.) Refinance Flexibility: Purchase and no cash-out refinancing options available. 7.) Income Flexibility: Borrowers with incomes above AMI may be eligible in high-cost areas. No income limits in underserved areas. Use the Home Possible Income & Property. 8.) Primary Residence Only: All borrowers must occupy the property as their primary residence.

3.5% Down Payment Loans

These are FHA Loans. Learn how an FHA Loan can be a Zero-Down Loan.

FHA loans assist low to middle income families in refinancing and purchasing their home. After the mortgage catastrophe of 2009, even the FHA has raised their credit rating standards when it comes to lending. However, most families have little or no trouble refinancing or purchasing with FHA refinancing, according to FHA.com. Keep in mind though, FHA loan limits vary from state to state across the country from a maximum of $679,650.00 in high-cost areas down to less than $424,100.00 in average-cost areas.

You have a choice between a conventional loan and an FHA loan. As was discussed earlier, FHA loans are easier to qualify for, sometimes have lower rates and better terms, need a lower down payment, but require mortgage insurance which can become expensive. The bottom line is you will have to speak with a mortgage expert and have them analyze your financial state of affairs. Individuals in the process of getting their finances together, may want to do just that first, and wait until their finances become more stable before going ahead with an FHA loan, or any type of mortgage. Many times FHA loans are your best, but there are sometimes they are not.

5% Down Payment Loans

These loans are the same as the 3% Down Payment Loans except the borrower puts down 5% and gets a better rate. Conventional Loans with only 5% Down Payment (Buyer Paid Mortgage Insurance, BPMI) or without mortgage insurance (Lender Paid Mortgage Insurance, LPMI). That's right only 5% down for a Conventional Loan. However these loans, like many other Conventional Loans, require a 620 Credit Score. In addition, 5% Down Payment Loans are also available for Jumbo Loans with no mortgage insurance. Jumbo Loans are mortgage with a loan amount in excess of the County Limit in witch the property is located, usually $453,100.00, but in some high-cost areas this amount can rise to as high as $679,650.00. Ask your Loan Consultant for more information about Jumbo Loans.

Peak Home Loans can help you obtain all types of loans associated with low down payments, zero down payments, or Jumbo Loans. We can help you regardless of your credit status. The amount we can help depends on several factors, but our rate may be lower than you think. Peak Home Loans is here to help.

Peak Home Loans was founded in 1998. We have accumulated the experience necessary to serve all types of custumers across our Country. We want our customers to not only have the ability to easily apply for a home loan, but to fully understand the mortgage process in a transparent manner. We truely believe we have accomplished this. Since our inception, we have consistently earned the trust of our customers.

We have earned multiple consumer awards from the Nation's top Mortgage and Website reviewers for having the highest customer satisfaction and trust. We know that right from the start, you are beginning a process that can significantly add to the quality of your life. Whether you are ready to purchase your very first home or wish to acquire extra cash from your accrued equity, our agents will expertly guide you through the process of obtaining the necessary financing. With myriad lending options available, purchasing or refinancing can be confusing. We are your ally in fulfilling your financing needs. And right now we have Special Savings For Your Home Town.

COMPANY PHILOSOPHYQuality People = Quality Service

Since our founding, this has been our company's outlook. What does it mean to us, to you, and to others? It means that our company's primary goal is to provide quality service to our customers, to each other, and to all others with whom we work. Quality People means that we continually attract, recruit, and retain agents and employees who display the highest levels of intelligence, integrity and commitment to the shared goal of excellence in customer service.

Quality Service means three things to us. First, it means being advised and educated by experienced professionals with an unsurpassed level of product knowledge. Second, it means you benefit by being represented by a company whose size and reputation is respected in the industry. Third, it means that throughout the loan process, we will keep you promptly informed, treat you with respect and courtesy, and in short, take great care of you. Our success is not determined by closing the most loans; it's defined by you, our customer, enthusiastically recommending us to your friends and family.

PeakHomeLoan.com, (sometimes referred to as the "Websites"), is offered conditionally on your acceptance without modification of the terms, conditions, and notices contained in this "Terms of Service" section (the "Agreement"). Your use of the Website constitutes your agreement to all such terms, conditions and notices. The Company may change the "Terms of Service" section from time to time. By continuing to use the Website following such modifications, you agree to be bound by such modifications to the Terms of Service. You can feel safe that the information you are transmitting is secure.

Not licensed at this time, we forward to non-affiliated state licensed lenders: Alaska, Connecticut, Delaware, District of Columbia, Hawaii, Idaho, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming.

Description of the Service Offered
PeakHomeLoan.com is a computerized program which provides a mechanism pursuant to which consumers can obtain information regarding lenders and mortgage brokers, as well as apply for and receive loans based upon lender or mortgage broker's borrowing criteria. PeakHomeLoan.com is a nationwide Direct Lender and makes loans in the above-referenced states, but does not make credit decisions in connection with loans.

Peak Home Loans is an NMLS listed mortgage company, unique number 1240303. To learn more, kindly visit the NMLS consumer accessible website. Forwarding your information form to a participating lender or mortgage broker in a state we are not licensed does not constitute a referral. Information contained on the Website is provided for general informational purposes. You may choose to use or not to use the information contained on the Website. PeakHomeLoan.com does not recommend, refer, advise, or prefer individuals to use any particular company. In all cases, you should make your own judgments as to which service providers to use. The lender or mortgage broker is solely responsible for its services to you, and you agree that the Company shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of any lender or mortgage broker's services.

The information form you submit is not an application for credit or a loan. It is a request for lender or mortgage broker information. You will have to complete an application with a lender or mortgage broker before they will extend a loan offer to you. The Company does not guarantee that the loan terms or rates offered and made available by participating lenders or mortgage brokers will be the lowest rates available in the marker or will have the best terms. Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.

The Company does not charge the User any fees for its services. The Company receives its compensation from advertisers on the Website and from lenders and mortgage brokers for goods, services and/or facilities actually provided by the Company. The Company's compensation from lenders and mortgage brokers varies according to quantity and filtering requirements.

Your information form may be forwarded to up to three lenders or mortgage brokers, who will make certain disclosures to you. However, Company (and its participating lenders and mortgage brokers) does not guaranty that any lender or mortgage broker will contact you. Whether a lender or mortgage broker contacts you is based upon a neutral filtering process administered by PeakHomeLoan.com and the decision of the participating lender or mortgage broker.

User promises that all of the information User has provided on its information form is true and complete. User authorizes the Company to forward User's information to its network of participating lenders and mortgage brokers. User understands that these persons may keep User's information, whether or not User completes a real estate transaction with them or not.

Nothing in the Website constitutes an offer, promise or otherwise, either to make a specific loan or that any participating lender or mortgage broker will make any loan for any purpose or on any specific terms. All loan related decisions are made by the participating lender or mortgage broker in the course of its normal business operations, and any applicable loan offerings are made to qualified applicants in separate loan and related documents which are required by applicable state and federal laws of the United States of America. Loans may only be made to residents of states where participating lenders or mortgage brokers are licensed and/or authorized to make such loans. By acquiring your information through the Website, participating lenders and mortgage brokers are not attempting to make loans outside their authorized states or country.

The Company reserves the right to change any information on the Website, including but not limited to, revising and/or deleting loan products or loan related information as offered by participating lenders or mortgage brokers without prior notice. The Company further reserves the right to discontinue the offering of loan products or loan related information in any specific state.

Warranties and Limitation of Liability.
You acknowledge and agree that you must: (a) provide for your own access to the World Wide Web and pay any service fees associated with such access, and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including a computer and modem. By using the Website, including any applets, software, and content contained therein, you agree that use of the Website is entirely at your own risk.

Proprietary Rights.
The Company is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Website, and is the copyright owner or licensee of the content and/or information on the Website including but not limited to any screens appearing on the Website. You may not download and/or save a copy of any of the screens except as otherwise provided in this Agreement, for any purpose. However, you may print a copy of the information on the Website for your personal use or records. f you make other use of the Website, except as otherwise provided above, you may violate copyright and other laws of the United States and other countries, as well as applicable state laws and you may be subject to penalties. The Company does not grant any license or other authorization to any User of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on the Website.

Links from and to this Website.
You acknowledge and agree that the Company has no responsibility for the accuracy or availability of information provided by linked sites. Links to external websites don't constitute an endorsement by the Company of the sponsors of such websites or the content, products, advertising or other materials presented on such sites.

Information in the web pages that are linked to the Website comes from a variety of sources. Some of this information comes from official Company licensees, but much of it comes from unofficial or unaffiliated organizations and individuals, both internal and external to the Company. The Company does not author, edit, or monitor any of these pages or links. You acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such external websites or resources.

Compliance with Laws and Regulations.
Your access to and use of the Website are subject to all applicable federal, state, local, and international laws and regulations.

Privacy.
Except as may otherwise be required by law, the Company adheres to the "Privacy Policy" posted on the Website. You should be aware, however, that a linked website may contain privacy policies that differ from the Company's policy. Neither the Company nor its stockholders, directors, employees, agents, successors, assigns or affiliates are responsible for any of those other websites' provisions and expressly disclaim any liability related to such policies. Please see our Privacy Policy.

Unauthorized Links.
The Company prohibits unauthorized hypertext links to the Website or the framing of any content available through the Website. The Company reserves the right to disable any unauthorized links or frames.

Use of "Cookies."
For your security, the Company does NOT use cookies.

Violations of Terms of Use.
The Company reserves the right to seek all remedies available for violation of the Agreement, including the right to block access from a particular Internet address to the Website.

Indemnification.
User agrees to indemnify and hold harmless the Company and its stockholders, directors, employees, agents, successors, assigns and affiliates from and against (and will pay upon demand each such person the amount of) any and all third-party claims, demands, losses, liability, damages, or expenses (including reasonable attorney's fees) resulting from, arising out of, relating to or caused by any breach by User of any covenant or other agreement of User contained in this Agreement or any breach by User of any representation or warranty of User contained in this Agreement. In connection with any action or proceeding that may give rise to an obligation of User to indemnify a person as set forth above, the Company shall have the exclusive right, at its option, to defend, compromise and/or settle the action or proceeding, and the User shall be bound by the determination of any action or proceeding so defended or any compromise or settlement so effected. The remedies provided in this section are not exclusive of and don't limit any other remedies that may be available to the Company or any other party to be indemnified pursuant to this section.

Applicable Law; Forum.
All questions concerning the construction, validity, and interpretation of this Agreement and the performance of the obligations imposed by this Agreement shall be governed by the internal law, not the law of conflicts, of the State of Florida. Any suit, action or proceeding against either the Company or User with regard or related to this Agreement, the rights and obligations of the User or the Company under this Agreement, the Website, the use of the Website and/or the services that the Website provides shall be brought in the United States District Court for the District of Florida - Southwest Division, located in Tampa, Florida or, if federal jurisdiction is not available, in the appropriate court of the State of Florida that is located in Tampa, Florida. The User and the Company hereby irrevocably consent to the jurisdiction of the aforementioned courts. In addition, and notwithstanding the foregoing, the User irrevocably waives, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of the venue of any such suit, action or proceeding brought in any such court and any claim that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum. Final judgment in any such suit, action or proceeding brought in any such court shall be conclusive and binding upon User and may be enforced in any court in which User is subject to jurisdiction by a suit upon such judgment.

Other Terms:

Severability. If any provision of this Agreement shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable. If a court finds that any provision of this Agreement is invalid or unenforceable, but that by limiting such provision it would become valid and enforceable, then such provision shall be deemed to be written, construed and enforced as so limited.

Waiver of Contractual Right. The failure of the Company to enforce any provision of this Agreement shall not be construed as a waiver or limitation of the Company's right to subsequently enforce and compel strict compliance with that provision or any other provision of this Agreement.

Disclosures.

The best rate is currently 3.25% for qualified consumers2. A $100,000.00 loan for about $435.21 per month is for an initial 5-year term of 3.25% = 3.52% APR amortized over 360 months. The rate may increase or decrease after the initial 5-year term, and payments may be higher in subsequent years. If the interest rate adjusted to the maximum rate after the fifth year, the monthly payment at that time would be approximately $552.20. The maximum monthly payment could be as high as $828.68/mo.

4 out of 5 applicants approved / qualify refers to customers who have passed an initial credit review - typically having a middle FICO score of 740 or better, no foreclosures, no bankruptcies, no 30-day or more late payments, DTI less than 43% and an initial down payment of 20%.

The rate of 3.25% = 3.52% APR is a real loan, this is not a bait-&-switch or come on. 3.25% = 3.52% APR assuming the initial interest rate is fixed for 5 years. The disclosed APR is based on two point seven five (2.75) origination points, 0 discount points, plus an estimated $500.00 in prepaid finance charges due at closing. The total closing costs for a $100,000.00 loan would be $3.250.00. The closing costs can be added into your new loan and you would pay NO ($0.00) closing costs (except for the down payment if purchasing). These are among the lowest closing fees in the industry.

Your break-even point for refinancing from 6.00% for this loan would be approximately twenty-two (22) months. Over the first 5 years, your monthly savings would be approximately $194.00 per month, and your total savings would be approximately $11,640.00.

Parties in Interest. This Agreement shall be binding upon, inure to the benefit of, and be enforceable by the parties to this Agreement and their respective successors, heirs, legatees, personal representatives and permitted assigns. No assignment, delegation or other conveyance of this Agreement or of any rights or obligations hereunder may be made by User (by operation of law or otherwise) without the prior written consent of the Company. The Company may assign its rights and obligations under this Agreement to any other party.

Headings. The headings and other captions in this Agreement are for convenience and reference only and shall not be used in interpreting, construing or enforcing any of the provisions of this Agreement. Common nouns and pronouns will be deemed to refer to the masculine, feminine, neuter, singular, and plural, as the context may require.

Entire Agreement. This Agreement constitutes the entire agreement between the User and the Company and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and the Company with respect to the Website, the use of the Website and/or the services that the Website provides. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

This Privacy Policy governs the manner in which Peak Home Loans (the "Company") collects, uses, maintains and discloses information collected from users of this Web Site (the "Users"). You can feel safe that the information you are transmitting is secure.

The FTC (Federal Trade Commission) regularly monitors this website for privacy, accuracy, reliability & honesty. We are rated A+, "Highest", by the Better Business Bureau™. We provide Toll-Free Customer Service, 1-844-200-PEAK (7325), 24 Hours a Day, 7 Days a Week.

Privacy
Users' privacy is very important to Company. Company is committed to safeguarding the information Users entrust to Company. This Web site is not directed to individuals under 18 years of age.

The Information We Collect
Company may collect public information from User while filing out the short questionnaire. The type of information we collect from consumers is limited to: Type Of Loan, Estimated Credit and Zip Code. Company may also collect information about how Users use our Web site, for example, by tracking the number of unique views received by the pages of the Web site or the domains from which Users originate. We do NOT use "cookies" to track how Users use our Web site. A cookie is a piece of software that a Web server can store on the Users' PC and use to identify the Users should they visit the Web site again.

How We Use Information
Company collects public information from its Users in order to match Users with lenders and brokers. By clicking the "FREE QUOTES" button on the questionnaire, Users consent to the disclosure of their public information to these lenders and brokers. The lenders and brokers may contact you directly after they receive your information. Company may also use information collected through our web site for research regarding the effectiveness of the web site and Company's marketing and advertising efforts.

Terms of Service.
Except as may otherwise be required by law, the Company adheres to the "Terms of Service" posted on the Website. You should be aware, however, that a linked website may contain terms of Service policies that differ from the Company's policy. Neither the Company nor its stockholders, directors, employees, agents, successors, assigns or affiliates are responsible for any of those other websites' provisions and expressly disclaim any liability related to such policies.

Consent to Receive Privacy Notice and Opt Out Notice Via this Web Site
By acknowledging receipt of this privacy notice, you the customer also consent to receive your annual notice of the privacy policy, as required by FTC regulation, via this web site. By acknowledging receipt of this privacy notice, you the customer also consent to receive your opt out notice and opportunity to opt out, as required by FTC regulation, via this web site.

Maintenance of Information & Security
Information about Users that is maintained on our systems is protected using industry standard security measures that includes but is not limited to security measures in place to protect the loss, misuse and alteration of the information under our control. All data is protected using the most advanced methods available. We don't store financial information, credit card numbers or personal information like social security numbers on this Web site.

Use of IP Addresses
An IP (Internet Protocol) address is a number that is assigned to your computer when you use the Internet. Your IP address does not contain any nonpublic personal information about you. Company collects IP addresses for the purposes of system administration, to report aggregate information to our advertisers, and to ensure the validity of customer requests.

Web Site Links
This Web site may contain links to other Internet web sites. We are not responsible for the privacy practices or the content of such Internet web sites.